Call reports 2009
PRESENCE BANK — 2009
What PRESENCE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 240,993,000 | 239,288,000 | 239,973,000 | 227,347,000 |
| Total loans | 183,109,000 | 180,527,000 | 171,771,000 | 168,712,000 |
| Allowance for loan losses | 1,077,000 | 1,103,000 | 1,151,000 | 1,226,000 |
| Securities available for sale | 38,449,000 | 39,789,000 | 49,048,000 | 38,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,853,000 | 185,304,000 | 185,612,000 | 176,821,000 |
| Interest-bearing deposits | 180,376,000 | 180,330,000 | 182,083,000 | 172,915,000 |
| Noninterest-bearing deposits | 4,477,000 | 4,974,000 | 3,529,000 | 3,906,000 |
| Equity capital | 15,949,000 | 15,685,000 | 16,111,000 | 15,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,045,000 | 6,005,000 | 8,881,000 | 11,606,000 |
| Interest expense | 2,004,000 | 3,967,000 | 5,886,000 | 7,618,000 |
| Net interest income | 1,041,000 | 2,038,000 | 2,995,000 | 3,988,000 |
| Noninterest income | 112,000 | 220,000 | 336,000 | 442,000 |
| Noninterest expense | 1,071,000 | 2,236,000 | 3,200,000 | 4,445,000 |
| Provision for loan losses | 27,000 | 64,000 | 114,000 | 194,000 |
| Pretax income | 57,000 | -21,000 | 73,000 | 141,000 |
| Income tax | -1,000 | -52,000 | -43,000 | -31,000 |
| Net income | 58,000 | 31,000 | 116,000 | 172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,700,000 | 13,647,000 | 13,730,000 | 13,756,000 |
| Total capital | 14,777,000 | 14,764,000 | 14,928,000 | 14,982,000 |
| Risk-weighted assets | 147,259,000 | 148,899,000 | 146,453,000 | 142,322,000 |
Machine access — free, no API key
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